facebookShould I buy the AIA Pro Lifetime Protector Max? - Seedly

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Anonymous

Edited 23 Sep 2023

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Insurance

Should I buy the AIA Pro Lifetime Protector Max?

I am currently in my late 20s and I do have my ECI, CI covered with a whole life plan (250k and 350k respectively). Recently, during my health checkup, I was told that I may be prone to some health conditions as certain results were elevated, albeit I am not diagnosed with anything yet (as of now, it's just something to be wary about). I was recently introduced to the AIA Pro Lifetime Protector Max, which is a protection mixed with investment kinda ILP. Was wondering if this is a sound option if my priority is health coverage? Was told that this is good for me cuz the coverage term is till 100 whilst my whole life plan's accelerator (5X coverage) is only until 75. OR am I better off with another type of plan? Thanks!

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Discussion (7)

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Ngooi Zhi Cheng

05 Oct 2023

Student Ambassador 2020/21 at Seedly

Navigating the world of insurance can be perplexing, especially when health concerns start looming. Your situation resonates with many at our age. Let's untangle this together and find a solution tailored to your unique circumstances.

I recently worked with someone facing a similar situation. Who had existing coverage but was worried about her health uncertainties. We explored various options, including the AIA Pro Lifetime Protector Max. By delving into her specific health needs and financial goals, we crafted a plan that provided comprehensive health coverage well into her senior years, giving her the peace of mind she sought.

There's a misconception that one-size-fits-all insurance plans exist. In reality, the right plan aligns with your health status, future aspirations, and financial capacity. It's crucial to decipher complex jargon and understand how each plan addresses your concerns effectively.

For you, considering an insurance plan that extends coverage beyond the standard years could be a wise move. The AIA Pro Lifetime Protector Max might indeed offer the longevity you seek. However, it's imperative to have a detailed discussion to assess if it aligns seamlessly with your health situation and future goals.

For personalized advice tailored to your situation, connect with me on Instagram (@ngooooied). I specialize in crafting insurance solutions that not only secure your health but also harmonize with your long-term financial aspirations. Let's ensure your insurance isn't just a safety net but a strategic investment in your future well-being.

Remember, your health coverage should be as unique as you are. Let's find the right fit together. Feel free to reach out for a detailed consultation.

Tan Siak Lim

25 Sep 2023

CFP. Director, Financial Advisory Group at Financial Alliance

Look for an independent financial adviser who can shop across the industry for a more suitable plan for you, not a insurance tied agent who only promotes his company's product.

Tan Siak Lim

25 Sep 2023

CFP. Director, Financial Advisory Group at Financial Alliance

Look for an independent financial adviser who can shop across the industry for a more suitable plan ...

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